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  1. Hello. My father died two months ago and following on from this my mother made a claim for a DWP funeral expenses payment. Initially the claim was denied as they deemed my mother wasn't in receipt of a qualifying benefit at the material time. She was and had submitted evidence of this benefit with her original application. Following a phone call to the DWP my mother re-submitted evidence of the qualifying benefit by email and the decision was reconsidered. She's received a letter and has been awarded a sum but it is reduced as they've said that there was money in my father's ac
  2. Dear community, Was hoping to get some friendly advice regarding an old debt with Barclays on behalf of a family member! Back in May 2009, an old debt (approx. £12k at the time) was transferred over to Barclay's Central Debt Collection Services (CDCS). At the time, an agreed repayment plan of £75 per month was set up for 6 months only, following which a review was to be made. This was the last statement of the account, which stated a 0% interest rate on the account. Funny thing is, we haven't heard back from Barclays/CDCS since! We've been paying £75 a mont
  3. Hello. Sorry for my bad English I have an account with littlewoods and I saw they charge me every month : Shopping Insurance Covers Your Purchases + Payments. if I pay £60 on my account amount get less for £53 because they charge me 7£ for this thing. So is that something like PPI?
  4. Got a summons this morning from my local authority for non-payment of Council Tax. I have been paying over 12 months despite them never actually issuing me a bill. I went and found the value of the CT and have been paying via Bank Transfer a value more than the 12 monthly figure. In December the Council changed their Bank account and this was the first letter we had all year. I duly corrected my payment on the bank but only paid £1 for the month. This would have put me slightly behind and in mid-January we got a 'Council Tax Reminder Notice' (No idea if its the 1st, 2nd or final) so I split th
  5. Hi, I need some advice. I have a credit card with Capital One which has reached its limit due to my card being stolen by someone in my family and used to make various online purchases which took me to my card limit of about £1500 - I did not find out about this until too late and I cannot possibly press charges against the thief as he is a family member. I agreed with Capital One that the best way around this would be to accept the charges and pay them myself, coming to a civil agreement with the man in question as a criminal charge would be completely fruitless as he is
  6. i split from my wife several years ago. I agreed to pay towards car payments and paid extra child maintenance (extra £70 month). After my ex stopped me seeing or speaking to my children because she wanted more money I calculated the correct child maintenance and reduced payments. After months of no contact with my children she eventually agreed to go to mediation to resolve the issues, I went to my session but she refused. After 3 months of difficulty seeing my children I received a small claim for payments both arrears and until the end of the agre
  7. Due to poor health, I had to take time of work, Jan and Feb, now from my wages I make sure I pay my Mortgage, Payment to the Debt arrangement scheme, and Council Tax Now I get weekly tax credits of £81, and around the 15 Feb, I received my bill from scottish Power of £298. Now from my tax credits, and working payments out on Excel, I have budgeted £30 per week to my account for Scottish Power, meaning by 5 May account should be paid in full On the 23 Feb, I emailed Scottish Power about my fiancial difficult, and included the payment plan for the account Now
  8. Hello I have been struggling with a lot of unsecured debt for quite some time and now find myself unable to pay this month. My credit record is unblemished at the moment but wont stay like that for long. 1 - Should I get in touch with the card companies and explain the situation and that I hope to return to making full payments in three months or so? 2- if ultimately I cant make my payment in the future should i make an arrangement to repay. I owe £85k so i would imagine I'm going to be hassled like crazy. 3 - There is a lot of advice about CCA on here and its great. I've h
  9. Hi everybody I ran into financial difficulties 2.5 years go and arranged with Barclaycard (peviously Egg) to pay £75 per month with interest and charges frozen on a £10,000 debt. This was paid by direct debit and I have not missed any payments. I have just noticed that they have stopped taking the money - the last one being in November. Does anyone know what this means? Is it a prelude to heavier action? Thanks for any advice.
  10. Hello My current situation has caused me to go through absolutely everything Ive paid in my life. I have a payslip from the NHS in the 80's showing super Ann payments which I have never had back. Can I reclaim these and if so anyone know how you go about it. Thanks to anyone who looks at this thread Exasp
  11. Has any one been following the research paper (RP) about child care costs? if not this is a well worth read see here http://services.parliament.uk/bills/2014-15/childcarepayments.html description This is a report of the House of Commons Committee Stage of the Childcare Payments Bill. The Bill would introduce a new tax-free childcare scheme to support eligible parents with childcare costs. Under the scheme, the Government would provide 20 per cent support on costs up to £10,000 per year for each child via an online account. The Government would top up any payments made into th
  12. Hi I am self-employed and have just began receiving letters from Fredrickson Internatinional re overdue NI contributions for £500. They have said their next point of action is for an HMRC officer to visit me or for court proceedings. Does anyone have experience of this? Should I make contact with this company or contact HMRC? I don't want to make contact with Fredrickson as I know they have a very dodgy reputation. Thanks
  13. I finally faced up to my huge debt problem and went through the CCCS to try and get life back on track. A repayment plan was made Everything's been great so far, apart from the Halifax who only let you have 6 months before they default you and send to DCA. So, I have now have defaults (through the Halifax) which I would love to get removed from my credit file. Having sent signed CCA requests to each of the credit card companies, so far, they've sent agreements just printed out (no signature) or application forms. They say that they don't have to send true copies with
  14. Rather than go through rubbish Stepchange, I intend to leave Stepchange and make payments to creditors ourselves. But, will making these individual payments hinder our possible mortgage application in a few years?? If we start making eg, £1 payments to a creditor, these will show on our bank account. If a mortgage provider scrutinises our account and sees payments like this to creditors, will it ring alarm bells/raise questions? Some of these debts have vanished from our credit report and I was just hoping that they stay hidden. Thank you for any advice
  15. Family member drove into London week before Christmas. Paid the congestion charge on their phone next day within the 24hrs allowed, whilst travelling on a train. Received acknowledgement 'Thank you for your payment.' In less than 2 weeks receives a penalty charge £65 if you pay within 14 days. Rings them to say it was paid. They were then asked to check bank account. It is then found the cc was not debited. Explained the ack received on phone and was told 'we hear this a lot.' Now i'm thinking, if you checked your bank account on the same day as making the payment, you wouldn't see it as
  16. Is ESA paid in arrears or one weeks in arrears ?? How is ESA Paid? please
  17. Hi, I've just joined Cag after stumbling here with the help of Google I have missed the last 3 months of payments to Very due to a number of circumstances mainly just my own stupidity to be perfectly honest... I am now in a position to start to pay some of the debt off they have put a number of charges onto my account (late fees, telephone call charges etc.) which has pushed me beyond my credit limit on my account (I daresay they will charge me for that as well?) I have been looking on the site and reading other peoples posts and so far I think what I need
  18. hi I went to sign on today at the JC and was told I may or may not receive my money before Christmas. Usually I'd receive my cash on the Friday from signing on the Tuesday (today) I got given a letter explaining that between 18th and 31st December payments that fall between then may or may not be put through. I have nothing in my bank at the moment and am relying on my JSA for Christmas, I have presents to still get. This uncertainty has worried me and I don't know what to do! if I dont get my payment I have to wait till 3rd Jan!!! in between then I have to see my advisor on NYE! but thi
  19. 10 years ago I upgraded my kitchen, and purchased some granite work surfaces. Due to other issues I was going through my credit card statements back from 2004 and noticed the transaction as it was substantial. I had forgotten about it but I noticed they had taken the payment out 3 times, which rang certain memory bells in my head ! I checked through more statement, saw a refund once, but not twice !!! It's all there in the statements obviously, can't be argued with So, as the company is still trading, although it's a franchise model, and I'm fairly sure I was dealing with them befor
  20. Hi everyone! I'm new on here today and have been reading lots of things about our friends At Welcome Finance. My story goes as follows. We borrowed £20k off the sharks in 2009 payments are £379 per month, they put a charge on our house cos it was a secured loan. For the past 4 years I have been paying £625 per month to try and pay this off, I phoned up last week and found out that I still owe £9k!! I have paid back so far £37k! What would happen if i suddenly stopped paying this? Would the courts laugh at the and tell them to **** off cos they've already had my pants down? I want some adv
  21. Have an account with this bunch of dimwits actually mean to say had and account as l am about to CCA them and l wont hold my breath over the CCA being available. This bunch of idiots have really pee'd me off because they have not sent me christmas presents and the presents they have sent me are broken. They have ignored me for over 6months over one christmas present that turned up broken they have refused to accept it back and are demanding payment for it. Ok i understand they cant accept personalised items back but if they are broken as in not fit to do the job they were ment to do
  22. Hi all, I have 2 bank account, one is Halifax other Lloyd's. On my Halifax account I could go overdraft £1250, in 2013 I move to new place and forget to inform Halifax bank about my new address, and at that point I did not use Halifax account at all. I was on overdraft around £500. At the beginning of 2014, Halifax canceled my overdraft, which I realize in March 3 months later, I quickly repay outstanding fee, informed about my new address and start using this bank account more often. Recently I was shopping for mortgage and have been informed that I had 3
  23. Hi pay council tax on monthly installments. I pay £107 a month, I am £23.00 behind in payments, honest mistake. They are now demanding £331.31 this is the rest on the payments from now until April 2015 upfront, any advice please.
  24. Hey! I joined Lifestyle Fitness on the 08/07/2014. When Harlands debited my account on the 08/08/2014, I was unfortunately short of money this day and the direct debit was returned. Unaware I received a letter from Harlands days later notifying me that the payment had not gone through and that I would incur a fee on top of the £17.99 direct debit, which I was more than happy to pay for my own recklessness. Unfortunately on the 21/08/2014 Harlands made a direct debit of £30.49 and on this occasion I was short by a couple of pence and my direct debit w
  25. There's a Code of Practice for dealing with cases of "misdirected" payments, where just typing in one wrong digit when transferring money results in it going to a stranger. Trying to get it back, though, is nigh on impossible. But now the Nationwide, HSBC and First Direct have made a change in its customers terms and conditions that will allow them to deal swiftly with "misdirected" transactions. From November, if you accidentally transfer money to the wrong account, you might actually have a fighting chance of getting your cash back. http://www.theguardian.com/money/20
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